In order to enroll at a German university, all students under 30 years of age are required by law to carry health insurance. The same applies to all students who require a residence permit (i.e. non-EU citizens). In what follows, we describe how EU and non-EU citizens can fulfill this requirement and how to evidence it.
Non-EU students under 30 have to purchase a mandatory student health insurance from a German state health insurance provider. This insurance costs about EUR 90 per month and covers most medical and dental costs. An advantage of these insurances is that the cost of treatment is carried out directly between the doctor and the insurance company. However, prescriptions require payment of a fee ranging from EUR 5 to EUR 10.
If you have already obtained private health insurance under your scholarship program (e.g. Erasmus Mundus students, DAAD or IPSWaT scholarship holders, etc.), you must obtain a certificate of exemption (Befreiungsbescheinigung) from any of the state health insurance providers to present at the time of enrollment at the university.
Please note: Your student health insurance coverage is in effect only when you are enrolled at the university. Coverage starts on October 1st for the winter semester and April 1st for the summer semester. Therefore, if you will be taking the intensive German courses, respectively in September or March, we recommend you purchase a travel health insurance policy in your home country to cover you during those months.
All non-EU students over 30 years of age and all doctoral students must take out a private health insurance.
If you intend to travel outside Germany while enrolled at university, we recommend that you take out a travel health insurance for a fee of approximately EUR 15. You can find the application forms at most banks.
As an EU citizen, you must present a European Health Insurance Card (EHIC) issued by your insurance provider in your home country to a state health insurance provider in Germany. Please have them issue you a certificate of exemption from mandatory German health insurance (Befreiung von der Krankenversicherungspflicht). You will have to present the document at the time of enrollment at the university. Your EHIC will cover 100% of the cost of any medical treatment provided in Germany by a doctor, dentist or hospital. For prescriptions, the pharmacy will charge a fee of between EUR 5 and EUR 10.
Carrying personal liability insurance is not compulsory in Germany. However, we highly recommend that you purchase one. It protects you against liability for causing injury to others or damaging their property, such as a rental apartment, a laboratory, or your university institute, to include even the loss of keys, for example. These policies typically cost between EUR 30 to EUR 80 per year, depending on your family status.
Personal liability policies are available from banks, insurance companies or online, where you can find up-to-date price comparisons (use Versicherungsvergleich as a search term). Your contact person at the Office of International Affairs can also provide application forms and answer any questions you may have.